BST:ASU

Stock Analysis Report

Executive Summary

AS LHV Group, through its subsidiaries, provides banking, security brokerage, financial advisory, finance lease, and other lending services to private individuals, small and medium-sized companies, and institutional investors in Estonia.

Snowflake

Fundamentals

Adequate balance sheet and fair value.

Share Price & News

How has AS LHV Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

ASU

7.1%

DE Banks

4.1%

DE Market


1 Year Return

0.7%

ASU

-30.3%

DE Banks

2.4%

DE Market


Shareholder returns

ASUIndustryMarket
7 Day0%7.1%4.1%
30 Day0%-2.3%1.7%
90 Day0%-9.4%3.7%
1 Year2.2%0.7%-28.1%-30.3%5.6%2.4%
3 Yearn/a-4.3%-9.2%19.2%8.9%
5 Yearn/a-11.5%-33.0%43.2%23.7%

Price Volatility Vs. Market

How volatile is AS LHV Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is AS LHV Group undervalued compared to its fair value and its price relative to the market?

11.92x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Information is not available.

Information is not available.


Price To Earnings Ratio

Information is not available.

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Price to Earnings Growth Ratio

Information is not available.


Price to Book Ratio

Information is not available.


Next Steps

Future Growth

How is AS LHV Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

14.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Information is not available.

Information is not available.

High Growth Earnings: ASU's earnings are forecast to grow, but not significantly.

Information is not available.

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Earnings per Share Growth Forecasts


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has AS LHV Group performed over the past 5 years?

30.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Information is not available.

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Return on Equity

Information is not available.


Return on Assets

Information is not available.


Return on Capital Employed

Information is not available.


Next Steps

Financial Health

How is AS LHV Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Asset Level: ASU's level of assets compared to its equity is moderate.

Allowance for Bad Loans: ASU has a low allowance for bad loans.

Low Risk Liabilities: ASU's liabilities are made up of primarily low risk sources of funding.

Loan Level: ASU has an acceptable proportion of non-loan assets held.

Low Risk Deposits: ASU's loans are broadly funded by customer deposits.

Level of Bad Loans: ASU has a high level of bad loans (2.83%)


Next Steps

Dividend

What is AS LHV Group's current dividend yield, its reliability and sustainability?

1.57%

Current Dividend Yield


Dividend Yield vs Market

company1.6%marketbottom25%1.5%markettop25%3.8%industryaverage3.7%forecastin3Years3.1%

Current dividend yield vs market & industry


Stability and Growth of Payments

Information is not available.

Information is not available.

Stable Dividend: Whilst dividend payments have been stable, ASU has been paying a dividend for less than 10 years.

Information is not available.


Current Payout to Shareholders

Information is not available.


Future Payout to Shareholders

Information is not available.


Next Steps

Management

What is the CEO of AS LHV Group's salary, the management and board of directors tenure and is there insider trading?

8.8yrs

Average board tenure


CEO

Madis Toomsalu 0

1.9yrs

Tenure

0

Mr. Madis Toomsalu has been the Chief Executive Officer of AS LHV Group since December 5, 2016 and has been its Member of Management Board since January 6, 2017. Mr. Toomsalu serves as an Analyst at AS LHV ...


Board Age and Tenure

8.8yrs

Average Tenure

52yo

Average Age

Information is not available.


Insider Trading

Information is not available.


Ownership Breakdown


Management Team

  • Madis Toomsalu

    CEO & Member of Management Board

    • Tenure: 1.9yrs

Board Members

  • Rain Lõhmus (52yo)

    Supervisory Board Chairman

    • Tenure: 4.5yrs
  • Andres Viisemann (50yo)

    Member of Supervisory Board

    • Tenure: 14.2yrs
  • Tiina Mõis (61yo)

    Member of Supervisory Board

    • Tenure: 12.8yrs
  • Sten Tamkivi (40yo)

    Member of Supervisory Board

    • Tenure: 3.6yrs
  • Tauno Tats (46yo)

    Member of Supervisory Board

    • Tenure: 4.5yrs
  • Raivo Hein (52yo)

    Member of Supervisory Board

    • Tenure: 8.8yrs
  • Heldur Meerits (59yo)

    Member of Supervisory Board

    • Tenure: 10.8yrs

Company Information

AS LHV Group's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: AS LHV Group
  • Ticker: ASU
  • Exchange: BST
  • Founded: 1999
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: €265.368m
  • Shares outstanding: 26.02m
  • Website: https://www.lhv.ee

Number of Employees


Location

  • AS LHV Group
  • Tartu mnt 2
  • Tallinn
  • 10145
  • Estonia

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LHV1TTLSE (OMX Nordic Exchange Tallinn)YesCommon SharesEEEURMay 2016
ASUBST (Boerse-Stuttgart)YesCommon SharesDEEURMay 2016
0RIRLSE (London Stock Exchange)YesCommon SharesGBEURMay 2016

Biography

AS LHV Group, through its subsidiaries, provides banking, security brokerage, financial advisory, finance lease, and other lending services to private individuals, small and medium-sized companies, and ins ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2018/11/20 21:09
End of Day Share Price2018/08/23 00:00
Earnings2018/09/30
Annual Earnings2017/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.